Bad Credit Repair Discussion Forum - View Single Post - Help! Repo from July 2000 magically appeared on my report May 2008!

honestllyblonde · 06-10-2008, 09:58 PM

Can someone help me out with the best way to dispute this? I had a car repo'd around July of 2000 and never found out there was a balance due until like 5 yrs later. I never made payments on the balance, and it was never reported on my report until last month, after recently paying off another old debt with the same collection agency. It is now being reported as an account opened Nov. 2007! With a past due balance of over $1000! Did they just figure that since I paid the one debt that all of a sudden they can get $ from me on this one?! It irks me because I've been trying to do the right thing and get negatives off my report so I can buy a house and now this shows up out of nowhere almost a decade later! They can't report this as 2007 when the original default was 2000 can they?! IT WAS NEVER REPORTED UNTIL NOW!!!!!! DO I GO TO THE OC THE CA OR THE CRA?! I DON'T WANT TO MAKE THE WRONG MOVE AND HAVE IT STAY ON MY REPORT! HELP!!!!!

06-10-2008, 09:58 PM	#1 (permalink)
honestllyblonde New Member Join Date: Jun 2008 Posts: 2 Casino Cash: $102100	Help! Repo from July 2000 magically appeared on my report May 2008! Can someone help me out with the best way to dispute this? I had a car repo'd around July of 2000 and never found out there was a balance due until like 5 yrs later. I never made payments on the balance, and it was never reported on my report until last month, after recently paying off another old debt with the same collection agency. It is now being reported as an account opened Nov. 2007! With a past due balance of over $1000! Did they just figure that since I paid the one debt that all of a sudden they can get $ from me on this one?! It irks me because I've been trying to do the right thing and get negatives off my report so I can buy a house and now this shows up out of nowhere almost a decade later! They can't report this as 2007 when the original default was 2000 can they?! IT WAS NEVER REPORTED UNTIL NOW!!!!!! DO I GO TO THE OC THE CA OR THE CRA?! I DON'T WANT TO MAKE THE WRONG MOVE AND HAVE IT STAY ON MY REPORT! HELP!!!!!